First-Time Homebuyer Loans in San Mateo, CA

Buying Your First Home in San Mateo

San Mateo sits midway between San Francisco and Silicon Valley, with a busy downtown around Central Park, three Caltrain stations and neighborhoods that run from the bay shore up into the western hills. We help San Mateo buyers and homeowners with jumbo purchase loans, condo financing, refinances and equity lines. First-time homebuyer loans in San Mateo include 3 percent down conventional programs, 3.5 percent down FHA loans, zero-down VA and USDA options and CalHFA programs with down payment assistance. Pacific National Lending lays them out side by side so you can see what fits your budget.

Call Pacific National Lending for first-time homebuyer loans in San Mateo: (916) 526-2700

Planning the Full Cost of Owning in San Mateo

Housing includes 1920s and 30s period homes in San Mateo Park, Baywood and Aragon, bungalows in Hayward Park, 1950s ranch homes in Hillsdale, Beresford and Shoreview, hillside homes in Laurelwood, and new homes and condos at Bay Meadows. Our team has guided hundreds of first-time buyers through the San Mateo market, and we know where the surprises usually come from: appraisal gaps, condition issues, HOA reviews and timing. We handle them so your first purchase goes as smoothly as your tenth.

First-time buyers in San Mateo should also ask about seller credits toward closing costs, temporary rate buydowns and the timing of a rate lock. Each can reduce the cash needed or the payment in the first years of ownership.

We help borrowers with first-time homebuyer loans throughout San Mateo, including San Mateo Park, Baywood, Aragon, Hayward Park, and across the mid-Peninsula. San Mateo is a little over two hours from our Gold River office, and our Peninsula clients work with us by phone, email and secure e-signature.

For first-time homebuyer loans in San Mateo, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.